Hey Paul, I just finished my own business plan using this google docs template: http://docs.google.com/Doc?docid=0AcGR9AZtIqOoZGhjZnJjNm1fMGRuNnBwc...
I know you just asked for the financial statement, but I thought this might help walk you through it. Google docs also has some other nifty charts that you can use or tweak to your purposes. Plus if you need to show other people, you can just link them to the page.
Like Brady said, you don't need to have a completely broken down list of every ingredient for the business plan, but you should make one just so you're confident in knowing exactly how much everything will cost.
These are the sheets I used: "Monthly Operating Costs" showing only costs broken up into categories like "direct sale" (drip coffee, bagels pastries, etc), "goods" or COGS (produce, sandwich ingredients, coffee cups etc), "fixed costs" (payroll, rent, utilities etc.) and a Misc. category.
You'll also want a 6 month, 1 year, and 5 years projected income chart.
A spreadsheet showing the profit margins for a few of your major items. There's a handy google doc for this that calculates how much you should charge given what you pay for the ingredients. It's a pain in the ass trying to figure this out, but worth it since it'll be useful as well as show that you know what you're doing. I think you'll find it if you search "profit margin calculator" or something.
Break Even analysis: http://spreadsheets.google.com/ccc?key=0AsGR9AZtIqOodHFmemotNGdKZ0t...
And debt repayment schedule (if you're borrowing money, which I assume you are if you're making this)
I also included a list of things that we would use to maximize income, and a few things that we planned on adding at a later date to "expand" business. They like to know that you're looking far ahead and are confident that your business will grow.
Hope we helped. Good luck! I'm so glad I'm done with mine, it's such a headache.
The only variable relative to your utilities would be your air conditioning/heating. All your equipment costs would be the same regardless of where they were located. Your financials are within reason, a good guess... so to some degree you can generalize some of your expenses. For the sake of argument assume an average ticket of $3.00 and a gross margin of 35%... so $1.05 per order, falls to the bottom.
Now take your fixed costs, labor, utilities ... add em up... divide by $1.05 and that's how many customers per day you need to get to ... zero...
As I said, it's pretty much a good guess.
All the best and good luck with your project.